DNW's UE Diary

[PlanB]

Re: DNW's UE Diary

shame - that's proof that they're in default as they cannot cash payment until they agree to comply with the s.78 request

Really? That's great news So if a DCA banks my postal order that's a tacit acceptance for the responsibiity for my s.78 request on behalf of the creditor? That probably explains why AIC have a habit of sending back the PO once they've checked with the client that no CCA exists

Sorry Niddy you've probably already explained this a million times, but does that DCA remain responsible for the s.78 request even after the account has been sent back to the creditor and reallocated to a whole load of new DCAs?

[DNW]

Re: DNW's UE Diary

Well done, but as you've taken a month to update then I'd just leave it and see what metropolitan or whoever send next!

I'd like to give some fantastic excuse for being so far behind, but I have no excuse other than things I deemed more important getting in the way

I've caught up now though

[Never-In-Doubt]

Re: DNW's UE Diary

HSBC Update:

18/11/11 Received from Metropolitan - copy of CCA (just about to upload to secure section, but not all 35 pages!) (the date is correct - I really am that far behind with filing

Its a recon and even that's a laugh-a-second attempt. No PT's, no boxes, let alone the mandatory 4 corners and best of all - wrong personal details.

Totally

But then we knew that anyway cos back then, before they became HSBC they used to issue visa/mastercard accounts and issued two cards under one shared limit. This mentions nothing, let alone the type of card

Well done, but as you've taken a month to update then I'd just leave it and see what metropolitan or whoever send next!

[Never-In-Doubt]

Re: DNW's UE Diary

the date is correct - I really am that far behind with filing

[DNW]

Re: DNW's UE Diary

HSBC

Name                     - HSBC
Type of account          - Credit Card
Date commenced           - Sept 1994
Approx balance           - £7,453
Date last paid           - Mar-11    
Arrangement/not paying   - Not paying
Status                   - In Arrears (DN Rec'd)
Account owner            - Lender

Key:
Them
Me
Other

Activity

1. 05/04/11 DD Cancelled letter
2. 13/04/11 Confirm receipt of I&E but will not act as unsigned
3. 24/06/11 Letter warning soon to be defaulted
4. 09/07/11 Letter warning soon to be defaulted
5. 24/07/11 My letter - request interest freeze
6. 26/07/11 Default notice
7. 17/08/11 CCA Request sent
8. 03/09/11 Final demand for payment received (ignored)
   
9. 12/09/11 Letter received - we might send bailiffs or get CCJ (ignored)
10. 23/09/11 Letter received - would you like to make a F&F settlement? (ignored)
    
11. 27/09/11 Letter received - we would offer a 35% discount for F&F if you'd like to take us up on the offer? (ignored)
    
12. 05/11/11 Letter received from Metropolitan Collection Services - failure to make full payment within 7 days may result in legal proceedings
13. 07/11/11 Letter sent - Account Sold whilst In Dispute
14. 
    

HSBC Update:

18/11/11 Received from Metropolitan - copy of CCA (just about to upload to secure section, but not all 35 pages!) (the date is correct - I really am that far behind with filing

[Never-In-Doubt]

Re: DNW's UE Diary

07/12/11 - Received from Barclaycard - Formal demand for payment, interest will continue to accrue and no statements to be sent.

I'd guess this is just an info only letter to be ignored?

Yep, just ignore it.....

[DNW]

Re: DNW's UE Diary

Barclaycard2

Name                     - Barclaycard Gold Master
Type of account          - Credit Card
Date commenced           - Feb 2006
Approx balance           - £1900
Date last paid           - Mar-11    
Arrangement/not paying   - Not paying
Status                   - In Arrears (DN Rec'd) 
Account owner            - DCA (Mercers)

Key:
Them
Me
Other

Activity

1. 15/04/20 Acknowledge and refuse payment, refuse to stop interest
2. 13/05/11 Credit limit reduced
3. 15/05/11 Late payment letter received
4. 24/06/11 Late payment letter received
5. 07/07/11 Mercers - Default notice
6. 17/07/11 Mercers - instructing local collector
7. 24/07/11 My letter - no doorstep visits, no phone calls
8. 26/07/11 Letter from Power2Contact acting OBO Mercers
9. 01/08/11 Doorstep visit from P2C - unanswered
10. 17/08/11 CCA Request sent
11. 05/09/11 Acknowledge CCA request
12. 12/10/11 Recon CCA received - awaiting Niddys return
    
13. 13/10/11 Barclaycard T&C rec'd
14. 15/10/11 Letter from Mercers (dated 03/10) - 48 hour notice before passing to local rep (ignored)
15. 15/10/11 Letter from Calders (dated 10/10) - 7 day notice before passing to local rep
    
16. 19/10/11 'Don't Visit' me template to Calders in reply Templates - Harassment
17. 28/10/11 Niddy says

Update


07/12/11 - Received from Barclaycard - Formal demand for payment, interest will continue to accrue and no statements to be sent.

I'd guess this is just an info only letter to be ignored?

[DNW]

Re: DNW's UE Diary

Thanks, will do

[Never-In-Doubt]

Re: DNW's UE Diary

Update:


08/12/11 Letter rec'd - Arrears Notice - on this they've included a statement and show that they've cashed the PO sent in relation to my CCA request and allocated it against my CCA request, however I never have received CCA as we're still arguing about my lack of signature....

shame - that's proof that they're in default as they cannot cash payment until they agree to comply with the s.78 request

Muppets - just ignore this for now

[DNW]

Re: DNW's UE Diary

Hitachi Capital

Name                     - Hitachi Capital
Type of account          - Loan
Date commenced           - May 10
Approx balance           - £825
Date last paid           - Mar-11    
Arrangement/not paying   - Not paying
Status                   - In Arrears (DN Rec'd)
Account owner            - Lender

Key:
Them
Me
Other

Activity

1. 13/04/11 DD cancelled letter
2. 14/04/11 Refuse £1 and will default than pass to Recovery
3. 09/06/11 Arrears Notice
4. 12/07/11 Default notice and now passed to Recovery
5. 12/07/11 Discount offer rec'd - 30% of £825.91 (£247) within 14 days
6. 24/07/11 My letter - counter offer £150
7. 27/07/11 Letter rec'd - £150 refused
8. 17/08/11 CCA Request sent
9. 27/08/11 Letter from Hitachi refusing request for as my letter was unsigned. My letter returned to me for signature.
   
10. 14/09/11 Returned my original letter to them and sent CCA Request - Demand of Signature by Creditor
11. 19/09/11 Letter rec'd from Hitachi still refusing my CCA request until I sign my letter
12. 11/10/11 Letter sent - Unenforceability Templates - Section 3
13. 22/10/11 Letter rec'd - They will still not send CCA without a signed request and will enter into no further correspondance until signature is received
14. 07/11/11 Letter sent - I will report you to ICO for breaching my CCA request, you do NOT need my signature Demand for Sig - Niddy's letter
15. 
    

Update:


08/12/11 Letter rec'd - Arrears Notice - on this they've included a statement and show that they've cashed the PO sent in relation to my CCA request and allocated it against my CCA request, however I never have received CCA as we're still arguing about my lack of signature....

[DNW]

Re: DNW's UE Diary

Thanks In2, I'm quite looking forward to replying - I feel like I've been ignoring everyone for ages

[Deepie]

Re: DNW's UE Diary

Update:

08/12/11 Letter received - LCS Solicitors - Full payment to be made within 14 days else they will recommend their client issues legal proceedings.


Should I respond with this? - Threat-o-Gram Letter Before Action

Yes.........

[DNW]

Re: DNW's UE Diary

Marbles

Name                     - Marbles
Type of account          - Credit Card
Date commenced           - Aug 2003
Approx balance           - £9,600
Date last paid           - Mar-11    
Arrangement/not paying   - Not paying
Status                   - In Arrears (DN Rec'd)
Account owner            - Lender

Key:
Them
Me
Other

Activity

1. 08/04/11 DD cancelled letter
2. 20/04/11 Frozen interest and charges provided £1 payment sent
3. 28/05/11 Notice of arrears
4. 09/07/11 Default notice
5. 24/07/11 My letter - no change in circumstances.
6. 28/07/11 In arrears notice
7. 17/08/11 CCA Request sent
8. 30/08/11 Received a copy of current executed agreement and signed statement. Copy of original signed application form has been requested and will be sent under separate cover.
9. 09/09/11 Letter received - "At present we are unable to provide a copy of the original agreement..." blah blah more waffle - full copy uploaded for Niddy's perusal
10. 09/09/11 Niddy says
11. 19/09/11 Letter received - please contact us (ignored)
12. 03/10/11 Letter received - please contact us, settlement figure may be available (ignored)
13. 18/10/11 Letter received - asking for card to be returned and informing DN has been issued (ignored)
14. 03/11/11 Letter received - You can't have a new card [] (ignored)
15. 10/11/11 Letter received - from 1st Credit, final reminder, writing OBO client Marbles. May send doorstep agent, may issue court proceedings (ignored)
16. 
    

Update:

08/12/11 Letter received - LCS Solicitors - Full payment to be made within 14 days else they will recommend their client issues legal proceedings.


Should I respond with this? - Threat-o-Gram Letter Before Action

[DNW]

Re: DNW's UE Diary

This has gone to MKDP LLP - funny thing is they sold it on 21/11/11 which was a week after they sent my (rubbish) CCA... maybe they realised themselves what a load of rot it was?!!

Edit: Reading further down the letter, although MKDP LLP have bought the debt, their servicing agents are MKRR

[garlok]

Re: DNW's UE Diary

Yes-- if its a formal Notice of Assignment it has been sold on to debt purchaser. May we ask to whom it has been sold as tactics may vary from lowlife to lowlife?

In any case I would sit and wait now to see which way the purchaser goes. We have recently served the purchaser on two of our accounts with s78 request and have acknowledgements stating they unable to comply within the timeframe. As we already hold UE docs it going to be interesting when they eventually get back to us.

regards
Garlok